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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,138 | $71,208-39.4% | $93,681-54.0% | $80,911-46.7% |
| Participation rate | 93.6% | 60.4%+33.2pp | 68.7%+24.9pp | 67.6%+26.0pp |
| Annual return | 12.48% | 11.27%+1.2pp | 133.47%-121.0pp | 35.63%-23.2pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,549 | $4,035-36.8% | $4,415-42.3% | $4,297-40.7% |
| Admin fee / account holder | $4,392 | $6,951-36.8% | $8,290-47.0% | $6,935-36.7% |